ION Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 33.19 percentage points in Q2 2026, from 107.44% to 74.25%. It was the largest change from Q1 2026 among the key lines here. ION Bank ranks 12th of 27 Connecticut banks on return on assets, in the upper half at 1.01% (Q2 2026). The median for banks in the $1B-10B asset tier is 1.28% on return on assets. ION Bank sits 0.27 points lower, at 1.01% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.75% |
| Tier 1 risk-based capital ratio | 15.75% |
| Total risk-based capital ratio | 16.82% |
| Tier 1 leverage ratio | 11.91% |
| Equity capital to assets | 12.26% |
| Tangible equity to tangible assets | 11.65% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.49% |
| Non-performing assets ratio | 1.27% |
| Net charge-off ratio | 0.09% |
| Texas ratio | 10.31% |
| Allowance for credit losses to loans | 1.11% |
| Reserve coverage of non-performing loans | 74.25% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.01% |
| Return on equity | 8.22% |
| Net interest margin | 4.24% |
| Efficiency ratio | 71.72% |
| Yield on earning assets | 5.50% |
| Cost of funds | 1.40% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.30% |
| Core deposits to total deposits | 97.54% |
| Brokered deposits to total deposits | 0.07% |
| Deposits to assets | 81.85% |
| Securities to assets | 8.61% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.91% | 11.91% | 13.06% | 8.78% | 0.46% |
| Q4 2023 | 12.04% | 12.04% | 13.16% | 8.81% | 0.50% |
| Q1 2024 | 12.29% | 12.29% | 13.41% | 9.08% | 0.72% |
| Q2 2024 | 12.06% | 12.06% | 13.16% | 9.67% | 0.67% |
| Q3 2024 | 12.66% | 12.66% | 13.78% | 9.64% | 0.93% |
| Q4 2024 | 12.52% | 12.52% | 13.61% | 10.00% | 0.49% |
| Q1 2025 | 12.25% | 12.25% | 13.31% | 10.00% | 1.01% |
| Q2 2025 | 15.64% | 15.64% | 16.66% | 12.63% | 1.33% |
| Q3 2025 | 15.78% | 15.78% | 16.80% | 11.91% | 0.98% |
| Q4 2025 | 14.87% | 14.87% | 15.92% | 11.36% | -0.14% |
| Q1 2026 | 15.30% | 15.30% | 16.36% | 11.60% | 0.85% |
| Q2 2026 | 15.75% | 15.75% | 16.82% | 11.91% | 1.01% |
ION Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock ION Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full ION Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18198) · FFIEC NIC profile (RSSD 407506)